POST-SECONDARY ROUTE

A. POST-SECONDARY PLANS
a. What school are you planning on attending?

The school that I am applying to is called the University of California at Riverside.

b. What are the reasons you chose this school?

The reason I chose this school is that my family is immigrating to the United States, and we are planning
to live in California. But the main reason for choosing this university is because there are the programs
that I wanted to apply to in this school, and the major of Bioengineering is the top in the States. I really
like this university.

c. What program are you planning on applying to?

The program that I am applying to is Bioengineering.

d. How does this program connect to your future career?

At first, I will apply Bioengineering, and after I will apply to medical for my second degree. That can
connect to my future career to be a medical person and complete my smart goal. I’ll continue working
on my plan.

e. Visit the school’s (e.g. college, university, technical institution) website and obtain the following
information:
f.
APPLICATION DEADLINE NOV 30, 2022 (ALREADY GOT OFFER)

ADMISSION High School GPA – 3.69-4.11

REQUIREMENTS ACT Composite Score – 21-39
ACT English Language Arts – 22-30
SAT EVIDENCE BASED READING & WRITING 560-670
SAT Mathematics – 570-730
SAT Essay – 14-17
LENGTH OF PROGRAM 4 years

TUITION 56,999 CAD PER YEAR

ANY OTHER 1,952 CAD PER YEAR

FEES
B. FINANCIAL PLANS

6. ONE YEAR BUDGET. You will be estimating the expenses and income associated with completing the
degree or diploma at your chosen post-secondary institution for one year. You may need to ask a
parent/guardian for help in estimating some expenses and income.
a. Visit https://www.rbcroyalbank.com/student/budget-calculator/
b. Complete all 4 steps by entering expenses and income
c. Click on “Print” at the top right-hand corner of the budget results page
d. Instead of printing it, choose “Save as PDF” and save it to your computer
e. Attach this 3-page file to Microsoft Teams along with this document

7. What will be your 2 biggest expenses next year besides tuition and other expenses related to
schooling?

I think the biggest expense besides tuition is housing and lifestyle.

8. Is there an expense that you are willing to sacrifice in order to save more money? Why or why not?
Explain.

Yes, if I really have to save money, I will sacrifice some expenses. The reason is I am taking money
from my family. I’m willing to save money for my family. What I will do is to save some money from
Entertainment or some clothing fees. If I really start working, I won’t need to worry about sacrificing
expenses. 

9. A student loan offered by the government may be a viable option for you. Visit the National Student
Loans Service Centre at https://www.csnpe-nslsc.canada.ca/en/stages-of-a-loan. Answer the
following questions:

a. Do you have to make any payments while you are in school?

While you are in school, you are not required to make any payments.

b. Do you have to pay interest on the loan while you are in school?

Your loan is interest-free during this time. It is important to confirm your enrolment every
semester or year that you are in study to maintain your interest-free status.

c. When do you have to start paying back the loan (how long is the grace period after graduation
from post-secondary)? Does interest accrue during this grace period?

After your Period of Study End Date, after six months of the non-repayment period, you have to
start paying the loan.

You do not have to make payments while your loan is in the six-month non-repayment period.
However, depending on your loan type, interest may begin to accrue. In BC, you don’t need to
pay interest on the loan during the non-repayment period.
 d. Is it beneficial to pay off the loan within the grace period if you are financially able to do so?
Explain.

It will be very beneficial to pay all the loans within the grace period because it will make your life
easier.

The reason is that you will be building a family, and the credit status will increase if you soon pay
back all your loans.

10. Another option for many students is getting a student line of credit, which is offered by banks for
students to help pay for expenses related to post-secondary education. However, while in school,
students are responsible for making interest only payments and the line of credit must be paid back
with interest after the student graduates.

a. Visit the TD bank link https://www.td.com/ca/en/personal-banking/products/borrowing/lines-

of-credit/student-line-of-credit/. What is the TD prime rate?

TD Prime Rate is the variable annual interest rate published by TD from time to time as TD Prime
Rate and is the interest rate.

b. What is the TD interest rate for undergraduate studies? (Hint: the interest rate is equal to the
prime rate plus an additional rate)

For an Undergraduate program, the interest rate is the TD Prime Rate + 1.00%.

c. Visit the Royal Bank link

https://www.rbcroyalbank.com/personal-loans/student-loans/benefits.html. When do you
have to start repaying your RBC student line of credit loan after you finish post-secondary
school?

After finished school, you have up to 2 years before you need to start repaying the principal
amount. In the meantime, you have full access to your credit line.

d. What are the 4 things you need to provide when applying for a Royal Credit Line for students?

 Confirmation that you are enrolled at a Canadian post-secondary educational institution.

 An estimate of your education costs (including tuition, supplies, fees, accommodations, food, travel,
etc.)

 A list of your financial resources (including RESPs, scholarships/bursaries, government funding,

summer employment, etc.)

 Proof that you are a Canadian citizen or landed immigrant.

e. Visit the BMO bank link https://www.bmo.com/main/personal/loans-line-of-credit/student-

borrowing/student-line-of-credit/. What is the maximum amount you can borrow in your first
year with the BMO student line of credit?
 At the first year, you can borrow $15000 from BMO.

f. If you have a $10,000 line of credit but only borrow $2000, do you pay interest on the full
amount ($10,000) or just the amount borrowed ($2000)?

You only pay interest on what you borrow, with no annual or monthly fees. So, you only have to
pay the interest amount you had borrowed ($2000).

g. After comparing government student loans and student lines of credit. Which one would be the
better option for you and explain why?

The benefit of Student Lines of Credit is that interest rates are typically lower than government
student loans and you only have to pay back the interest rates while you're working towards
graduation. The line of credit is a little more flexible. The student can borrow only what they
need and make payments in any amount of time. After graduation, each bank offers a grace
period in which you will continue only paying back the interest rates. So, I will choose the
student line of credit.

C. FUTURE CAREER/JOB

11.Visit www.workbc.ca/Jobs-Careers/explore-careers.aspx. Read about the career/job you

have chosen to pursue. Use the table of contents tabs to answer the following
questions.

a) ABOUT THIS JOB. Describe the career/job.

This job is called managers in health care. 

This job is about planning, organizing and directing the delivery of health care services, such as
diagnosis, treatment, nursing, and therapy, within health care establishments. You must work in
hospitals, medical clinics, nursing homes and other health care establishments.

b) EARNINGS AND OUTLOOK. What is the projected employment outlook for your career/job in
BC?

The earning of this job is about $94,248. The outlook of this job is +1.9% in BC, and the job opening
for ten years is expected 3220.

c) EARNINGS AND OUTLOOK. In which city/region in Canada can you find a GOOD outlook for your
career/job?

In BC, the mainland/ southwest is the best place where you can find a good outlook.

d) JOB REQUIREMENTS. What are the job requirements for this career/job?

Administrators of departments such as surgery, clinical medicine or laboratory medicine are

usually required to have the education and training of a specialist physician. Administrators of
other departments, such as nursing, dietetics or physiotherapy, are usually required to have the
education and training of the medical professionals in that department. Several years of
 experience in the relevant profession, including supervisory experience, are usually required.
Certification in the relevant profession is required.
e) WORK-RELATED SKILLS. List 3 skills from the list that you believe you are strong in.

Speaking, coordination, and social perceptiveness are the three skills that I’m strong in.

f) WORK-RELATED SKILLS. List 1 skill from the list that you feel like you need to work on.

Reading comprehension is one of the skills that I need to improve because I know I didn’t read very
clearly.

g) RELATED CAREERS. What is one related career that you might be interested in if things were not
to work out with your first choice?

If I cannot work out the first choice, the nurse practitioner will be the second choice. So I’m doing
the CPR, First Aid and AED lessons to connect my second choice.

D. WELLNESS SURVEY

11. Complete attached Wellness Survey and attach the completed file to Microsoft Teams along with
the RBC budget and this completed assignment. What is your score? Were you surprised or not?
Explain why.

My score on the wellness survey is 304.

I think I’m very surprised about the score because I thought my score would be lower than that.
That means I didn’t know myself that much. I will take this survey more often, so I can know
myself more and love myself more. Then I will work on “Spiritual and Social Health Assessment”
and self-changing, let my spiritual and social health be next level.

12. What are some ways you will take care of your physical self (i.e. weight, health, fitness)?

The way that I take care of my physical health is going outdoors because the air and the sun will let
me be comfortable outside doing sport outdoors. I can burn some calories and burn my fat. That is
the way I take care of my physical health.

13. When you encounter stress in your life, what techniques do you use to manage it in a positive
way?

If I have stress in my life, I will try to take my focus out of that thing. I will look at some funny videos
on the internet and talk to some people. Sometimes I will go fishing in the lake and breath some
fresh air. Taking some time outdoors will take my stress away.

YOU’RE DONE. DON’T FORGET TO ATTACH THE FOLLOWING TO YOUR ASSIGNMENT ON TEAMS:
1. This completed assignment
2. The 3-page RBC budget results
3. The completed wellness surve